Ngaphandle kwamathandabuzo, eyona njongo iphambili eyenza ukuba utyale imali yakho oyigcinileyo kwii-equity kukhokelela ekufumaneni eyona mbuyekezo iphezulu kuzo. Yinto ebonakalayo kwaye leyo ngaphandle kwamathandabuzo. Kodwa ezinye zezibophelelo zakho kukuba khusela imali oyigcinileyo ngokufanelekileyo. Into eqhelekileyo nengqiqweni xa ujongene neemarike zezemali. Apho kufuneka ujonge ezona ziqinisekiso ziphezulu kutyalo-mali. Hayi ngelize, zininzi i-euro ozidlalayo kuzo. Ke ngoko, akukho gumbi lokuhlaziywa.
Zininzi iindlela zokuzikhusela engxoweni ngaphezulu kwenjongo nje. Kuya kufuneka wenze isicwangciso sokusebenza apho iindlela ezahlukeneyo zikhona ukufezekisa ezi njongo ngendlela efanelekileyo. Hayi kuphela unezinye iindlela ezizezinyeZikwindalo eyahlukileyo. Njengoko uza kubona kweli nqaku. Apho konke okufuneka ukwenze kukusebenzisa uqeqesho ukusukela ngoku. Ayisiyiyo kuphela kwimarike yemasheya, kodwa kuyo nayiphi na iasethi yezemali.
Ukuze ubenakho ukusebenza kwezona mali zinkulu unazo iziqinisekiso zokuphumelela, awuyi kuba nanto unokuyenza ngaphandle kokunikela ingqalelo, kodwa kubo bonke, ewe, ubuncinci kwezinye zezindululo esiza kukucebisa zona ukusukela ngoku . Ngenjongo onokuyenza thintela nayiphi na imeko engathandekiyo kwiminqweno yakho. Njengoko inokuba sele yenzekile kuwe kwimithambo yangaphambili. Ngaba uyafuna ukwazi ukuba ungakhuselwa njani ngakumbi ukusukela ngoku? Ewe, nika ingqalelo kuba unomdla kuyo.
Khusela: kutheni usenza oko?
Ukwenza ezi zenzo kwiimarike ze-equity, kuya kufuneka wazi izizathu zokuba kutheni ukhetha ukusebenzisa esi sicwangciso sokhuseleko sotyalo-mali. Eyona iphambili kukufuna isiqinisekiso esiphezulu kwimisebenzi eyenziweyo. Okubi kakhulu, njengefomula yokuqhubekeka nokwandisa isikhundla sakho kwimarike yemasheya. Banokukwazi kukwenza ufumane imali eninzi Kwimeko ethile ethile. Ke ngoko, akufuneki ujongele phantsi iziphumo zeli qhinga oza kulisebenzisa ukusukela ngoku.
Ubukhulu becala, imali yakho iya kuxhomekeka kwimpumelelo okanye hayi kula manyathelo othintelo. Nokuba yeyiphi na iprofayile yakho njengomtyalomali omncinci nophakathi okuyo. Ukumodareyitha, ukulondoloza, ukuba ndlongondlongo okanye abanye kuxhomekeke kwiimfuno zakho nezemali. Iya kuba ngumzamo owongezelelekileyo oya kuthi ugcine kuwo wonke umsebenzi wezemali owenze ube semthethweni. Kananjalo ngawo onke amaxesha okusisigxina owakhethileyo: elifutshane, eliphakathi okanye elide. Ewe kunjalo, kucace gca malunga nento ofuna ukuyiphumeza ngelixa ubudlelwane bakho nehlabathi elinomdla lemali buhlala buhleli. Kodwa kunye nemingcipheko emininzi endleleni.
Ziphephe iindlela zokuphila ezingqubanayo
Umgaqo wokuqala wotyalo mali olungileyo, ngelixa ulumkile, kukuyeka ezona zixabiso ziphikisanayo zeemarike zezabelo. Kukho kuzo zonke iindawo kwaye balalela izibonelelo ezicetyiswa ngabanye abalamli bezemali. Eli ayiloxesha lilungileyo lokujongana nabo. Kuninzi omele ukuphulukana nako kwimisebenzi yakho. Mhlawumbi ngaphezulu kokuphumelela kwaye le yinto ekufuneka uyixabisile ngokuchanekileyo. Ayothusi into yokuba nguwe ozibeka emngciphekweni kutyalo-mali lwakho. Ngamanye amaxesha, ngendlela engeyomfuneko kwaye mhlawumbi nangaphandle kobunzima.
Ukusuka kwimeko yamanye amazwe, enye yeenjongo zakho zokuqala kukutyala iiasethi zakho ngokungqongqo ekukhetheni izibambiso ezinokuthi zenze iphothifoliyo yakho ebhalwe ngokwakho ngokupheleleyo ukusukela ngoku. Akufanele ujolise kukhuseleko olucingelwayo olunamaxabiso aphezulu kunoko kuqhelekileyo. Umahluko kumaxabiso abo onokufikelela kwi-10%. Ngaphandle kwezinye iimeko ezichaziweyo kolu didi lwamaxabiso.
Musa ukutyala imali kwiimveliso ezintle
Esinye isitshixo sokukhusela imali yakho ngesiqinisekiso esikhulu sokulibala ukuthatha izikhundla kweyona mveliso inzima yemali. Ingakumbi ukuba Umthombo wolwazi ayifanelekanga. Banokukuzisa ngaphezulu kwesinye seengxaki ngamaxesha athile otyalo mali. Akunakulungeleka ukuba usebenzise kakubi le modeli. Ayothusi into yokuba kunokwenzeka ukuba bakushiyele ii-euro ezininzi apha endleleni. Okuninzi kunokuba ungacinga.
Nangona ziziphakamiso ezixhasayo kakhulu ngenxa yokukhula okuphezulu, ziyingozi kakhulu ukuzigqiba. Ngayiphi na imeko, phantsi kweminikelo ethobekileyo yemali engachaphazeli imeko ngokubanzi yeeakhawunti zakho zokujonga. Unazo ezinye iindlela ezikhuselekileyo ezikuvumela ukuba uvelise Ukubuyela okubalulekileyo kwimali oyigcinileyo. Kuya kuba kufanelekile ukuba usebenzise esi sicwangciso sotyalo-mali. Ukongeza, iya kukuthintela ekubeni kwimeko engalunganga yonke imihla ngenxa yokwehla kokufumana ubunzima kumaxabiso abo.
Ngaba amaxabiso ingqikelelo Kuya kufuneka uphephe ngaphezulu kwayo yonke enye into. Ukuba ufuna nyani ukugcina eyona mithombo yakho iphambili yolondolozo. Kuya kufuneka ukhumbule ukuba ngezi ndidi zezindululo kwii-equities, unokuninzi okulahlekileyo kunokufumana. Ungakulibali ukusukela ngoku ukuya phambili ukuba ufuna ukuba imisebenzi yakho ingabinangxaki enkulu. Kwaye nokusebenza kwemarike yesitokhwe kunye nelahleko ebalulekileyo kwingxelo yakho yengeniso
Yenza ikhontrakthi kwiimveliso ezaziwayo
Ukuba ufuna ukutyala imali ngokhuseleko olukhulu, awuzukukhetha ngaphandle kokukhetha kwimisebenzi eyenziwayo. Kwaye yeyiphi indlela ebhetele kunokukhetha iimodeli zotyalo-mali ozazi ngcono. Okanye ubuncinci ukuba uqhele ukusebenza nabo. Okukhona ubazi, kokukhona uya kuba namathuba angakumbi nembuyekezo yemisebenzi yakho kwiimarike zezabelo.
Ukuba aziboniswanga kwiprofayile yakho njengomtyali mali, kungangcono uyeke ukuzama. Zininzi ezinye iindlela onokukhetha kuzo. Ngeziqinisekiso ezinkulu kwiintshukumo ozenza ngokusesikweni. Ayothusi into yokuba ukusebenza kwayo kungayi kuba yinto engaqhelekanga kuwe. Ungahamba noluhlu olubanzi lweentshukumo kunakwizinye.
Ukwahlula utyalo-mali
Elinye lawona macebo asebenzayo okugcina inzala yakho yotyalo-mali kukutyala imali oyigcinileyo ngokwahlukileyo Iimodeli zolawulo. Akufanele ugxile kukhuseleko olunye okanye kwimveliso yezemali. Kodwa Ungayidibanisa ingeniso esisigxina kunye nokwahluka, nkqu nangezinye iindlela. Ii-asethi ezininzi zemali kufuneka zibekhona ukunika uguquko kutyalo-mali. Unokukhetha okuninzi onokukhetha kuzo: iimali, iintsimbi ezixabisekileyo, izinto zokwenza izinto, njl.
Ngale ndlela, uya kuba ukhusela izikhundla zakho. Ngaphambi kwayo nayiphi na impendulo engathandekiyo kuyo nayiphi na imveliso yezivumelwano zemali. Ukongeza, yinkqubo enokukunceda ukuba uphucule ngokwembuyekezo onokuyivelisa ngokusetyenziswa kwesi sicelo sisebenzayo. Ayizukuhlawula nto ukuyinyanzela kwaye zininzi izinto ezingathi zibe negalelo kuwe kunezinto ezingalunganga ezibonelelwa yile modeli yotyalo-mali. Nawe unokwenjenjalo yidibanise neemveliso zebhanki eziqhelekileyo. Ukufakwa kwexesha, amanqaku ezithembiso, izicwangciso zokonga kunye neeakhawunti ezihlawula kakhulu, phakathi kwezona zibalulekileyo.
Umyalelo wokunciphisa umda welahleko
Eyona nto ibaluleke kakhulu kukuba ukuthengwa kunye nokuthengiswa kweodolo yeemeko zakho ngomyalelo othintela ilahleko. Ziyaziwa njenge ukuyeka ukulahleka. Kulula ukuzisebenzisa kwaye azizukubandakanya nayiphi na inkcitho eyongezelelweyo eyonakalisa ibhalansi yeakhawunti yakho yangoku. Ukuze ngale ndlela, ulahlekelwe yimali onokuyihlawula ngokwenene. Ngale ndlela, uya kuba kwimeko yokukhusela ii-asethi zakho ngesicwangciso esiliqili nesisebenzayo.
Ukuza kuthi ga kwinqanaba lokuba ubekwimeko engcono yokujonga utyalomali lwakho ngempumelelo enkulu ngokubhekiselele kwiziphumo zomsebenzi wakho. Enye yeenjongo zesicwangciso sokusebenza kukuba uyakucutha ukuvuza kwimisebenzi ye-equity ngendlela ephawulekayo. Kulunge kakhulu ukuba ungayibeka ngokusesikweni ukusukela ngoku. Zininzi izibonelelo onokuzifumana ngaphandle komzamo omkhulu kwiindlela zakho kwiimarike zezemali.
Ukungatyali lonke ulondolozo
Phantsi kwazo naziphi na iimeko kufuneka utyale imali yakho oyigcinileyo kwii-equity. Iya kuba sesinye sezicwangciso ekuya kufuneka ukuba ulawule ubungozi obuvela kule misebenzi. Ubuncinci loo nxalenye yebhajethi yosapho oya kuyidinga kwiinyanga ezimbalwa ezizayo. Apho kuya kufuneka ujongane namatyala endlu, isikolo sabantwana, amatyala kunye nayo nayiphi na enye inkcitho engalindelekanga enokuthi ivele nangaliphi na ixesha. Ukuba uchitha phakathi kwe-30% kunye ne-60% yayo, iya kwanela ke wena ukuhlangabezana neemfuno zakho.
Ukongeza, kule meko kuya kukunceda ukunciphisa ilahleko kwezona meko zinokubeka esichengeni. Isikhundla esilondolozo kakhulu kodwa sinomlinganiselo ophezulu wepragmatism onokuba luncedo kakhulu ukukhusela izikhundla zakho. Ayisiyiyo kuphela kwii-equity, kodwa ngayo ezinye ii-asethi eziyimali. Ungayisebenzisa ngalo naliphi na ixesha nakwimeko. Ngoncedo lokuba iya kukubonelela ngobutyebi obukhulu kwiakhawunti yakho yokujonga.
Iimveliso eziqinisekisiweyo
Ukuba ukhetha lo msebenzi, uya kuba nembuyekezo yonyaka kunye nezinzileyo minyaka le. Kodwa ngoncedo lokuba iya kuhlala iqinisekisiwe. Nangona imbuyekezo kulondolozo ingayi kuba nomtsalane njengakwezinye iimveliso zemali. Unokwabela igalelo elikhulu kwiimveliso ezibonisa olu mgangatho. Olu khetho lotyalo-mali lunokufunyanwa kwiimveliso ezithile zotyalo-mali. Ngokusisiseko kwi Mutual and mali idwelisiweyo.